Maternity benefit

During the maternity protection period, (expectant) mothers are under special legal protection. They are not allowed to work for a certain period before and after the birth. The Maternity Protection Act ensures that mothers are not financially disadvantaged during this time. Employees receive up to 100 percent of their previous net income, consisting of maternity pay and an employer's allowance.

Text last updated: 2025-08-13

Your way to the application

Application for maternity benefit for employees with statutory health insurance

Employees with statutory health insurance apply for maternity benefit from their health insurance fund. Please use the form you receive from your health insurance fund to apply. You will also need a medical certificate stating the expected date of birth. You will receive this from your doctor or midwife at the earliest 7 weeks before the due date. It is best to submit the application as soon as you have this certificate.

Applying for maternity benefit for employees with family or private health insurance

You can apply for maternity benefit online at the Federal Social Security Office.

Federal Social Security Office

If you are a member of the statutory health insurance scheme, please contact your health insurance fund.

If you have private health insurance or family insurance under the statutory health insurance scheme, please contact the maternity benefit office of the Federal Social Security Office.

To apply for maternity benefit, you need a medical certificate confirming the calculated due date. You will receive this from your doctor or midwife at the earliest 7 weeks before the due date.

You should have the following information ready for the online application at the Federal Social Security Office:

  • Expected date of birth of the child.
  • Details of your health insurance.
  • Details of your current employment.
  • Your tax identification number (tax ID).
  • Details of your bank account.
  • Certificate of your employment.

You will not incur any costs.

Simply explained

During the maternity protection periods - i.e. 6 weeks before the birth and at least 8 weeks after the birth - working mothers receive maternity benefit. Maternity benefit secures income and is a replacement for lost wages during the maternity protection periods.

In the case of premature and multiple births, the period of entitlement increases to 12 weeks after the birth.

Information on maternity benefit can also be found in this explanatory video.

Video file

What requirements must be met?

Maternity benefit from the statutory health insurance fund

You will receive maternity benefit if

  • you are expecting a baby and are in an employment relationship in which you do not receive any pay due to the maternity protection period and
  • you are a member of a statutory health insurance fund.

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Maternity benefit from the Federal Social Security Office

You will receive maternity benefit if

  • you are expecting a baby and are in an employment relationship in which you do not receive any pay due to the maternity protection period and you either have private health insurance at the start of the 6-week protection period or have family insurance with a statutory health insurance provider (e.g. via your husband).

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What do I get?

Maternity benefit from the statutory health insurance fund

The amount of your maternity benefit is based on your average net salary for the last 3 months. The average is calculated from the last 3 billed calendar months before the start of your maternity protection period.

Maternity benefit amounts to a maximum of 13 euros per day. If your net salary was higher than 13 euros per day during this period, your employer will pay the difference as a supplement to your maternity benefit.

Maternity benefit from the Federal Social Security Office

Maternity benefit is limited to a maximum of 210 euros. It is paid out in one lump sum. If your net salary was higher during this period, your employer will pay the difference as a supplement to the maternity benefit.

Frequently asked questions and answers

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